With expert guidance you can make short work of not only finding the best mortgage for your circumstances, but also understand how to manage the mortgage while you repay.
Whether you need a loan to finance a new purchase or are consolidating existing debts, it's a good idea to make sure you can save money - not only with the lowest rate for your credit rating but by understanding the finer print of your loan agreement.
See the latest offers for credit cards, check if you can consolidate existing debts to save money, find out how long it could take to repay an existing balance.
See the latest offers for contract hire and leasing, compare new or used car purchases across hire purchase, personal contract purchase and contract hire and use our vehicle finance calculators.
Your savings are influenced by many factors aside from the headline interest or growth rate of the accounts or funds you place your hard earned money into.
What is your risk profile? Have you considered tax implication of your investment plans? What will your investment return? Do you need to build up a fund?
Have you been saving for your retirement? Get the nitty gritty on Pensions and all that is involved.
Try our property search (Powered by Zoopla) - Find properties by what your budget is - see how differences in deposits of your monthly payment change the type of property you could buy!
Find Depreciation For Your Car - click to close
Hire Purchase (HP) vehicle finance will allow you to own the car once all payments have been made. You make an initial deposit and then fixed payments for the term of the loan.
Contrary to Personal Contract Purchase (PCP) or other methods, the vehicle does not have a final payment/balloon and is retained by you as the legal owner as the end of the contract.
The vehicle is provided as security against the loan and therefore it can be easier to obtain HP over getting a loan from a bank, but the interest rate charged may be higher. However, as the HP would likely be arranged by a supplying dealer, you may be able to negotiate a large discount on the vehicle.
The finance company does not expect to receive the vehicle back at the end of the contract so there are no mileage limits or fines for damage outside of wear and tear.
Use our HP calculator to estimate the full payment schedule of your deal. We will show you the interest payments, capital repaid and the balance of the loan for any stage during the entire term.
We also show you our estimated value for the vehicle at any stage of ownership by you. This can help you see the difference between the balance outstanding and the value of the vehicle.
To see the difference between different vehicle finance methods, use our Compare Vehicle Finance Calculator.
© 2009 - 2019 TheMoneyCalculator.com
Code and design by Ray Arman
our advisers by region :
This site is designed to give you an understanding of financial products out in the wild, preparing you for proper professional advice.
We have provided guides, tools, a selection of deals (lowest rate and/or fees) but expect you to seek full professional advice with a whole of market adviser before making any decision.
Use the information provided at your own risk, we're not providing advice and errors can be made. Calculations made on the site are estimates, therefore in places assumptions or approximations may be used. We cannot accept responsibility nor are liable for any mistakes.
Data Protection Registration Number ZA200013